Home Finance 8 best features of a banking app that will surprise you

8 best features of a banking app that will surprise you

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‘Customer adoption’ and ‘retention’ are the new buzzwords in digital marketing. Mobile apps are designed to have features that offer a great customer experience to make the users often use the app. Likewise, a bank mobile app offers innovative features that meet everyday customer needs.

Mobile banking platforms enable one to conveniently carry out all consumer banking tasks like depositing money, moving funds between accounts, applying for financial assistance, and paying bills. Some net banking apps, like that of IDFC FIRST Bank, offer innovative tools that help manage money, schedule bill payments, make investments, and set alerts. Here are some distinctive features of the personal net banking app explained in detail.

Have quick access to your bank account

The IDFC FIRST Bank mobile banking app offers safe and secure login through multi-factor authentication. It helps you access your bank account and check balances easily. You can also view the recent transaction history and the statement whenever you want. The mobile bank app also enables you to perform other tasks like updating your profile, account preferences, and locking and unlocking your debit or credit card.


The advanced mobile banking app allows you to customize the feature menu to access the most frequently used tools instantly. You are not required to shift through pages if you want to transfer funds, set up payments, check balances, and make investments. All you need to do is to create your own menu to access each of them from one place.

Start a savings bank account

IDFC FIRST Bank is one of the best service banks in India that offer a superior digital banking experience. It allows you to open a savings account instantly by submitting your personal details, verifying your PAN and Aadhaar details, depositing money, and completing video KYC. The digital account allows you to have secured Internet banking, pre-approved loan offers, easy credit card management services, and a consolidated investment dashboard.

Set alerts and receive notifications

You can set alerts for low minimum balances, credit card bill payments, and unauthorized access to your account. Other than this, you can receive notifications for payments received and other banking activities on the IDFC FIRST Bank mobile app.


With the innovative tools, you gain insights into your spending habits. The Income & Expenses Analyser helps you track your expenses, categorize expenses under different heads, and compare cash flows. The tools help you with better financial planning and budgeting.

Easy fund transfers

With this bank to bank money transfer app, you can move funds from one account to another in a different bank or within the same bank. It allows you to link all your bank accounts and transfer funds from a single platform using the payment methods like NEFT, RTGS, IMPS, and UPI.

Make quick bill payments

You can now make instant payments for your utility bills by scheduling them for payments on the mobile app. It gives you an option to set up an ‘Adhoc’ or ‘AutoPay’ payment. Before paying the bills automatically, the app sends you reminders and notifications.

Smart filters

You can view particular transactions using smart filters, which help categorise them based on the date, name, and mode of payment.

The customer needs are changing, and banks keep updating their apps to provide a positive customer experience. If you are looking for the most advanced personal net banking app, download the IDFC FIRST Bank mobile app now.